On page optimization (essentially rewriting all your content so it’s unique and will help rankings), off-page (all your local listings, directories, etc), back-link building, consistent content creation, getting that content on high authority pages as a third party contributor, ideally linking back to your site, etc.

I am thinking about offering financial aid in a way that would benefit both parties by paying his 35k personal loan off and essentially offering a "re-fi" situation.  

Essentially, if you can prove that your payment is what you say it is then a lender WITH NO OVERLAYS should use that documented payment.  

In the end, we worked with a contractor that survived the initial paperwork trial, and we got lucky.

Your contractor will need to draw up a scope of repairs and/or drawings for use of the loan $$, which should essentially be standard bidding process. 

I asked the lender if I got you ALL paperwork uploaded and contracts signed this week, and the appraisal was done on the 13th, would that jeopardize a Feb closing.

So basically I have to get paperwork stating a lien is being filed before?

Honestly, with a glaring error that big, I'd be inclined to throw this paperwork away and start from scratch, fresh.

Vflyer is a good source to use too as long as you have the right paperwork in place.

I did not receive any kind of paperwork after the court hearing.